EU 10.47
· European ranking
21 / 23
No change compared with previous year
Poland: Housing & Utility Bill Arrears
An editorial snapshot of country living conditions with trend, regional spread, and context links.
Latest value
· 2025
3.80% of people
EU 10.47 · -6.7 pp vs Europe
What this indicator measures
Measures the share of people living in households with arrears on mortgage or rent payments, utility bills, or hire-purchase instalments.
Lower values generally represent a more favorable situation.
Data source: Eurostat Arrears on housing or utility bills ILC_MDES05
Explore this indicator
Regional map
· 2025 · 17 regions
Loading map preview...
Internal regions
Comparison of values across the country's regions for this indicator.
-
1+50.00
5.70
-
2+39.47
5.30
-
3+28.95
4.90
-
4+21.05
4.60
-
4+21.05
4.60
-
6+15.79
4.40
-
7+13.16
4.30
-
8+10.53
4.20
-
8+10.53
4.20
-
10-5.26
3.60
-
11-7.89
3.50
-
12-26.32
2.80
-
13-34.21
2.50
-
14-47.37
2.00
-
15-52.63
1.80
-
16-55.26
1.70
-
17-63.16
1.40
More context on this indicator
At a glance
Poland performs more favourably than the European benchmark on Arrears on housing or utility bills, with a large gap. The trend context points to confirmed improvement. The wider topic context is mixed, combining pressure signals and relative strengths. Regional evidence also shows internal variation.
European comparison in Poland
In Poland, Arrears on bills stands clearly better than the European benchmark: 3.8% versus 10.5% in 2025, a large gap of 6.7 percentage points.
Recent trend
In Poland, the medium-term pattern shows improvement: the value moved from 5.50% in 2020 to 3.80% in 2025. The latest step, from 4.20% in 2024 to 3.80% in 2025, confirms the improvement. The recent signal has similar intensity to the primary one.
Regional differences in Poland
In Poland, regional differences in Arrears on bills are pronounced. Across 17 comparable regions, Warszawski stołeczny records the highest value (5.7%) and Podlaskie the lowest (1.4%), a gap of 4.3 percentage points.
Reading within the topic
In Poland, Housing & Energy Stress shows a mixed picture: pressure signals and relative strengths coexist across this indicator and its related indicators compared with Europe. Recent changes among related indicators are also mixed, with improvement in some and deterioration in others.